LLCora
Banking

How to Open a Mercury Bank Account for Your LLC as a Non-Resident (2026)

Mercury has tightened approvals in 2025-2026. Here's exactly what to prepare to maximize your chances.

Published on 6 min readShare

Mercury is the most popular online bank for non-resident LLC owners. But in 2025-2026 they've increased scrutiny.

What you need before applying

  1. EIN letter from IRS (CP 575) — if you don't have one yet, see how to get an EIN without SSN or ITIN
  2. Articles of Organization
  3. Operating Agreement
  4. Passport scan
  5. Proof of address in your country
  6. Business website
  7. LinkedIn profile

    8. Common rejection reasons

    • Vague business description
    • No website
    • Restricted country list (Mercury blocks some)
    • VPN / Tor during application
    • Mismatched address

    Which state helps your approval odds

    Mercury approves Wyoming and New Mexico LLCs routinely — both are non-resident-friendly states with clean reputations. If you're choosing between them, Wyoming vs New Mexico breaks down the trade-offs. And if you're still weighing formation services, our Stripe Atlas comparison shows what each includes for banking support.

    Our Wyoming plan includes hands-on assistance and a pre-application review.

Marina Silva
Marina Silva
Co-founder, LLCora · ex-Stripe Partner Support

Marina has guided 1,247+ non-resident founders through US LLC formation since 2022. Before LLCora, she worked at Stripe Partner Support helping international businesses get approved on US payment rails. Every LLCora guide is reviewed by a US-licensed CPA before publish.

2022
Helping founders since
1,247+
Founders helped

Keep reading

Banking

Best US Bank for Non-Resident LLC: Mercury vs Wise vs Relay (2026)

Three banks dominate non-resident US LLC banking. Here is which one to pick based on your business model, country, and use case.

Read more
Compliance

US LLC Compliance for European Founders: The Complete 2026 Calendar

Every filing, deadline and fee a European owner of a US LLC faces in 2026 — federal, state and home-country. Miss one and penalties start at $25,000.

Read more
Payments

How to Open Stripe with Your US LLC as a Non-Resident (2026)

Stripe approves non-resident LLCs every day, but only if you submit the application in a very specific way. Here is the 2026 playbook.

Read more

Ready to launch your US business today?

Join 1,200+ founders who chose the fast, transparent way.

Start my LLC — from $289
Start my LLCFrom $289 · 24h
How to Open a Mercury Bank Account for Your LLC as a Non-Resident (2026) · LLCora